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The frame says "Nova" and "Columbus". I don't know the serial number. I believe the frame is aluminum. Purchased 2nd (or third) hand in California about 6 years ago.

Picture I found on the internet of a bike with a apparently identical frame (color and text)

Above is a picture I found on the internet of a bike with a apparently identical frame (color and text). I have some pictures of the actual bike, but they aren't as clear: enter image description here

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  • I've been through this, and ideally you need an original sales receipt/invoice, from which they will calculate a depreciation of X% per year. As you said this was used, to an insurer they'll try and pay less than your excess. If it was an accident on the road and someone else was at fault, you could reasonably claim on their insurance for an equivalent replacement at their cost. Sadly, many insurances aren't worth the paper they're written on. Good luck with your claim ! You can also get sales quotes on an "equal" replacement from local bike shops, and submit them to the insurer.
    – Criggie
    Commented Sep 6, 2020 at 22:42
  • That's a bummer, but fortunately doesn't match my recent very similar experience (my mountain bike was cable locked to the same spot and the cable was cut and bike taken a few months ago). My renter's insurance came through like a dream. They googled similar bikes and cut me a check for cost of replacement (minus deductible). I netted $440 for an 15 year old, poorly maintained bike that would have been hard to sell for $100. Now that it's happened again, I expect things might not go so smoothly though.
    – Joe Sapp
    Commented Sep 7, 2020 at 3:53
  • When your first bike was stolen, the insurer was willing to pay. That's quite normal. But then when a second bike was stolen at the same spot, the insurer would probably suspect negligent securing of the item.
    – Carel
    Commented Sep 7, 2020 at 7:51
  • Consider how you could change things to secure your bike better. Cable locks are not very good, a closed and locked door between thief and bike is far better. Good luck with your claim - questions about insurance might be slightly on-topic on Personal Finance at money.stackexchange.com
    – Criggie
    Commented Sep 7, 2020 at 10:52
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    @JoeSapp you've been hit twice for the same thing - It'll happen again. You have to change something major. Perhaps storing a bike anywhere outside your home is a bad idea now (I don't say that lightly) Are there rental garages/lockup storage units available near your home? If you're renting, then storage inside really is your best option. If you own the place, perhaps consider the benefits of building a secure and stout shed for storage.
    – Criggie
    Commented Sep 8, 2020 at 6:46

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